Business Loan EMI Calculator
Calculate EMIs for a business or MSME loan and see the total cost of borrowing.
EMI
₹46,537
Total interest
₹7,92,190
Total payment
₹27,92,190
Over the full tenure, you'll pay ₹7,92,190 in interest alone — that's 28% of your total repayment on a ₹20,00,000 business loan.
Year-wise amortization schedule
| Year | Principal Paid | Interest Paid | Balance |
|---|---|---|---|
| 1 | ₹2,97,018 | ₹2,61,420 | ₹17,02,982 |
| 2 | ₹3,41,375 | ₹2,17,063 | ₹13,61,607 |
| 3 | ₹3,92,357 | ₹1,66,081 | ₹9,69,250 |
| 4 | ₹4,50,952 | ₹1,07,486 | ₹5,18,298 |
| 5 | ₹5,18,298 | ₹40,140 | ₹0 |
How this calculator works
A business loan EMI is calculated with the same reducing-balance formula used across all loan types, but business loan pricing varies more widely than consumer loans since it depends on your business vintage, turnover, credit history, and whether collateral is offered.
Worked example:a ₹20,00,000 business loan at 14% over 5 years comes to an EMI of roughly ₹46,550 per month, with total interest of about ₹7.9 lakh. Since business loan rates are sensitive to risk profile, shopping across lenders for even a 1-2 percentage point reduction can save a meaningful amount over the loan's life.